End of UPI Scam: NPCI’s Big Change from October 1 to Make Digital Payments Safer
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End of UPI Scam
End of UPI Scam : Unified Payments Interface (UPI) has completely transformed the way we make payments in India. With just a few taps, money can be transferred instantly from one bank account to another, making everyday transactions quick and hassle-free. However, along with this convenience, the rise of online scams has also become a major concern. Thousands of people have lost their hard-earned money due to fraudulent payment requests.
To tackle this growing issue, the National Payments Corporation of India (NPCI) is bringing a major change from October 1, 2025, which will help curb UPI-related frauds and make digital transactions safer than ever.
How UPI Payment Request Frauds Work
One of the most common scams on UPI platforms like Google Pay, PhonePe, and Paytm is through the “payment request” feature. Instead of sending money, fraudsters send a money request notification.
Victims, often confused or in a hurry, accept this request thinking they are receiving money, when in fact money gets deducted from their account.
Scams of this nature have been widely reported on classified platforms like OLX, where fraudsters pretending to be sellers trick customers into approving payment requests.
Once approved, the money is instantly transferred to the scammer’s account, leaving users helpless.
From October 1, 2025, NPCI will put an end to this loophole by disabling payment requests on UPI apps. This means scammers will no longer be able to misuse this feature to trick people into sending money.
This move is expected to significantly reduce cases of fraudulent UPI transactions and bring more trust to digital payments.
Major Updates in UPI Lite for More Convenience
Along with enhancing security, NPCI has also made important changes to UPI Lite, the lightweight version of UPI designed for small-value transactions. UPI Lite works like a prepaid wallet within the UPI ecosystem, making daily transactions faster and simpler.
Here are the key updates:
Wallet Limit Increased
Earlier, users could store up to ₹2,000 in UPI Lite.
Now, this limit has been increased to ₹5,000.
Single Transaction Limit Doubled
The per-transaction limit has been increased from ₹500 to ₹1,000.
This allows users to make slightly bigger payments without needing to reload frequently.
Auto Top-Up Feature Introduced
Users can now set an auto top-up option.
Whenever the wallet balance drops below a set amount, it will be automatically recharged, eliminating the need for manual top-ups.
Why These Changes Matter
Enhanced Safety: With the removal of payment requests, a major fraud loophole is closed.
Better User Experience: The UPI Lite updates make it more practical for everyday use, from small shop payments to transport fares.
Convenience & Trust: Automatic top-ups and higher limits mean less hassle and more trust in the system.
End of UPI Scam
Final Thoughts
The NPCI’s decision to curb UPI payment request frauds from October 1 is a landmark step towards making digital payments safer, faster, and more reliable. At the same time, the improvements in UPI Lite ensure a smoother user experience for small transactions.
With these upgrades, UPI continues to strengthen its position as the backbone of India’s digital payment ecosystem, empowering millions of users to transact with confidence.
